Manufactured and Mobile Home Insurance in Florida (2025)
Mobile home insurance can protect your home from unforeseen events like theft and fires.
Secure. Free. Easy-to-use.
Excellent
)
Written byAnna Baluch
)
4+ years writing insurance and personal finance content
MBA from Roosevelt University
Anna leverages her personal finance and insurance knowledge to create educational content that helps people make smart financial decisions.
Featured in
){kind=small}
){kind=small}
){kind=small}
)
Edited byAshley Cox
)
7+ years in content creation and management
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
Featured in
){kind=logo}
){kind=small}
){kind=small}
Updated
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.
Advertiser Disclosure
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
Table of contents
Mobile homes have become more popular in the Sunshine State in recent years. And if you have one, mobile home insurance may be worth exploring. Also known as an HO-7 policy, mobile home insurance provides the same coverages as standard home insurance but is specifically created for mobile homes.
Here’s what you need to know about mobile home insurance in Florida.
Quick Facts
Mobile homes, also referred to as manufactured homes, could benefit from mobile home coverage.
Due to their significant vulnerability to the elements, mobile homes are more expensive to insure than traditional homes.
Foremost, State Farm, Farmers, and HomeFirst are several companies that offer mobile home insurance in Florida.
Insurance for mobile and manufactured homes
A manufactured home is similar to a mobile home. The only difference between the two properties is their construction date. If it was built before June 15, 1976, the U.S. Department of Housing and Urban Development considers it a mobile home. If it was built afterward, it’s a manufactured home.
Mobile home insurance includes several coverages designed to protect the structure of your mobile home. It also covers your personal belongings, additional living expenses in the event your mobile home sustains damage, and liability expenses if you’re held liable for an accident.[1]
Since mobile homes are constructed off-site, are transportable, and don’t have a foundation or basement to protect them from the elements, they’re riskier to insure. As a result, mobile home insurance often costs more than standard home insurance coverage.
Why you need mobile home insurance in Florida
Mobile homes make up a little more than 8% of the total housing units in the state.[2] Even though Florida law doesn’t require mobile home coverage, your lender might ask you to buy it if you have a mortgage on your property. You may also need mobile home insurance if you live in a mobile home park.
Mobile home insurance can be a worthwhile investment to protect your home and personal property from unforeseen events like theft, fire, and inclement weather. Without it, you may be on the hook for significant out-of-pocket costs to rebuild or replace your mobile home and your belongings.
Save on Your Next Mobile Home Insurance Policy
Compare rates from the nation’s leading insurance companies
Secure. Free. Easy-to-use.
Based on 7,669+ reviews
4.8/5
What mobile home insurance covers
HO-7 mobile home insurance typically covers the following:
Dwelling
Dwelling coverage is for the structure of your mobile home. It includes the roof, walls, base, and windows.
Personal property
Personal property insurance will kick in if your personal belongings get stolen or damaged, on and off your property. These belongings may include clothing, furniture, appliances, and electronics.
Other structures
Other structures coverage protects other structures on your property, such as a detached garage, shed, or fence.
Additional living expenses (ALE)
Also known as loss of use insurance, ALE coverage may come in handy if your mobile home requires a repair or replacement and you need to live elsewhere while it happens. It can help pay for lodging, restaurant meals, and more.
Personal liability
Personal liability insurance will cover legal fees and medical expenses if someone sustains injuries on your property and you’re held responsible. It usually protects you up to a predetermined coverage limit.
What mobile home insurance doesn’t cover
Just like standard home insurance, mobile home insurance has exclusions. It usually won’t cover:
Flood damage: You’ll likely need to invest in a stand-alone flood insurance policy to protect your Florida mobile home from flood damage. You can buy it through a private insurer or the National Flood Insurance Program (NFIP).
Earthquake damage: Some mobile home insurance companies allow you to add earthquake insurance to your policy. While earthquakes are rare in Florida, you may still want to consider this type of coverage for more peace of mind.
Wear and tear and poor maintenance: It’s your responsibility to maintain your mobile home. For this reason, mobile home insurance won’t pay for issues like mold, rust, pest infestations, or water damage.
Best mobile home insurance companies in Florida
If you’re looking for mobile home insurance in Florida, here are several of the best companies.
Foremost
Foremost
Compare personalized, real-time quotes
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 5.2/10 |
|---|---|
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A |
| $300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $199/mo |
| $500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $345/mo |
A subsidiary of Farmers, Foremost offers mobile home insurance that covers damage from debris removal, check forgery, and more items other insurers may exclude. You can also add replacement cost coverage upgrades for your personal items.
Pros
Insures older homes
Offers replacement cost coverage
Multiple discounts for mobile home owners
Cons
Deductibles are unclear on website
Must work with agent to secure coverage
Rates may be higher than average
State Farm
State FarmCompare personalized, real-time quotes
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.2/10 |
|---|---|
| JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 643 |
| $300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $226/mo |
| $500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $317/mo |
State Farm offers standard mobile home insurance plus optional add-ons, such as replacement cost coverage, cyber event insurance, and earthquake coverage. The insurer also lets you choose from a number of deductibles and work with a local agent.
Pros
Multiple add-ons available, such as replacement cost and earthquake coverage
Access to dedicated agent for personalized service
Customizable coverage through several deductibles
Cons
Fewer mobile home discounts than other insurers
Can’t buy mobile home insurance online
No coverage for ID theft
Farmers
Farmers
Compare personalized, real-time quotes
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.4/10 |
|---|---|
| JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 609 |
| $300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $180/mo |
| $500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $296/mo |
Farmers provides mobile home insurance in Florida. While details are limited on its website, the company offers a variety of discounts, like non-smoking and bundling discounts. You can also work with an agent and add flood or earthquake insurance.
Pros
Personalized service through Farmers agents
Offers flood and earthquake coverage
Bundling option available
Cons
Quotes not available online
Discounts vary by state
Limited details about mobile home coverage online
HomeFirst
HomeFirst offers specialized insurance, including mobile home coverage. Its mobile home insurance policies come with flood coverage and debris removal. You can request a quote online, and an agent will get back to you with further information.
Pros
Includes flood coverage in mobile home policies
Quotes available online
Considers mobile home owners with bad credit
Cons
Doesn’t underwrite its own policies
Must wait for an agent to follow up with you
Not rated by J.D. Power for customer or claims satisfaction
How much does mobile home insurance cost in Florida?
The cost of mobile home insurance in Florida depends on a number of factors, including the age of your mobile home, your home’s condition, its safety features, your claims history, your deductible, and your coverage limits.
Mobile home insurance typically costs more than standard home insurance because mobile homes are more susceptible to damage from wind, fire, and theft.
Mobile home insurance discounts in Florida
Many insurance companies offer home insurance discounts that can help you save on a policy. You might be able to take advantage of several discounts for your mobile home, such as:
New-home discount: If your mobile home is newer, you could qualify for a discount.
Wind-mitigation discount: Some Florida insurance companies offer discounts to homeowners who fit their homes with roof or wind-mitigation updates that are Florida Building Code-certified.
Tie down and fully skirted discount: Criteria vary by insurer. But if you have your mobile home tied down and fully skirted, you could qualify for savings.
Safety features discount: Installing safety features in your mobile home — such as smoke detectors, sprinklers, or a security system — could help you save.
Multi-policy discount: You could get a discount for bundling multiple types of insurance policies with the same company, such as home and auto insurance.
Claims-free discount: Some insurers offer discounts for homeowners who have gone a certain period of time without filing a claim.
Find Cheap Mobile Home Insurance in Florida
Check quotes from top insurance companies
Secure. Free. Easy-to-use.
Based on 7,669+ reviews
4.8/5
Is it difficult to insure a mobile home in Florida?
It can be more challenging to insure a mobile home in Florida than it is to buy coverage for a traditional home. But many Florida insurers offer mobile home coverage, including Farmers, Foremost, Homefirst, and State Farm.
Because of how they’re built, mobile homes are more susceptible to damage from perils such as fire, theft, wind, and more. Insurers charge higher premiums to offset the risk of covering a mobile home.
If you’re having trouble finding a mobile home insurance policy, shop around and get quotes from at least three insurance companies. You can also consider getting coverage through Citizens Property Insurance Corporation, Florida’s insurer of last resort.
How to cut your mobile home insurance costs
Here are several tips to help you save money on mobile home insurance:
Compare quotes
Mobile home insurance policies aren’t created equal. That’s why it’s a good idea to shop around and get quotes from at least three different insurance companies. Compare rates, coverage levels, deductibles, and add-ons to find the best deal for you.
Take advantage of discounts
Most insurers offer discounts to policyholders. Find out which discounts might apply to you. For example, if you have car insurance with the same insurer, you may be eligible for a bundling discount.
Choose a higher deductible
Your deductible is what your mobile home insurer subtracts from your claim payout. It’s the part of your repairs that you’re responsible for. A higher deductible will lead to lower premiums.
Install safety features
If you invest in safety features, like a security camera for your mobile home, home insurance companies will perceive you as a less-risky policyholder. You may even secure lower premiums.
Improve your credit
Many states allow insurance companies to review your credit history when they determine your premiums. Once you improve your credit, you may pay cheaper rates.
Mobile home insurance in Florida FAQs
If you’re looking for a mobile home insurance policy in Florida, check out the additional information below as you research your coverage options.
Does Florida require mobile home insurance?
Florida law doesn’t require mobile home insurance. But if you have a mortgage on your mobile home or live in a mobile home park or community, you may need it.
How much mobile home insurance coverage do you need in Florida?
The ideal amount of mobile home insurance depends on your unique situation. To come up with this figure, consider the full replacement cost of your home and how much you can comfortably pay for repairs out of pocket through a deductible.
Why is it difficult to get manufactured home insurance?
Compared to traditional homes, mobile homes are more prone to incidents like fires, floods, and wind damage. So they’re riskier and more challenging to insure.
What is the oldest mobile home that can be insured?
There’s no set standard for the oldest mobile home that can be insured. Coverage requirements vary depending on the insurance company you choose and the condition of your mobile home.
But if your mobile home was built before 1976, finding insurance may be challenging. Mobile homes that age weren’t built in line with Department of Housing and Urban Development safety standards.
How do you file a mobile home insurance claim?
To file a mobile home claim, contact your insurance company by phone or on its website. Fill out the claim form and attach evidence in the form of photos or videos that show the damage. It’s also important to get repair estimates and keep receipts if you need to move out temporarily.
Methodology
Insurify data scientists analyzed rates from more than 180 home insurance companies sourced directly from Insurify’s partner companies and Quadrant Information Services. Rates span all 50 states and Washington, D.C., and quote averages represent the mean price for a given coverage level and geographic area. To ensure data reliability, only insurers meeting minimum quote thresholds were included in the analysis.
Unless otherwise specified, quoted rates reflect the average cost for homeowners with no prior claims and good credit with a home construction year of 1980. The default coverage assumptions include:
Default Coverage Assumptions
- Dwelling coverage: $300,000
- Deductible: $1,000
- Personal property limit: $25,000
- Liability limit: $300,000
Additional data points beyond these default values are sourced from Insurify’s proprietary database. Rates are updated monthly.
Related articles
)
Best Homeowners Insurance in Florida
October 7, 2025
)
Best Home Insurance Companies in Tallahassee, Florida
November 5, 2025
)
Florida Insurance Crisis Explained
October 19, 2025
)
Cheapest Tampa Homeowners Insurance Quotes
October 7, 2025
)
Best Homeowners Insurance in Orlando
October 7, 2025
)
Best Homeowners Insurance in Miami
October 7, 2025
)
Best Home Insurance in Jacksonville, Florida
October 17, 2025
)
Flood Insurance in Florida: What to Know
October 7, 2025
Sources
- Insurance Information Institute. "Mobile Home Insurance."
- Yahoo Finance. "20 States with the Highest Percentage of Mobile Homes in the US."
)
Anna BaluchInsurance Writer
Anna Baluch is a Cleveland-based personal finance and insurance expert. With an MBA from Roosevelt University, she enjoys writing educational content that helps people make smart financial decisions. Her work can be seen across the internet on many publications, including Freedom Debt Relief, Credit Karma, RateGenius, and the Balance. Connect with Anna on LinkedIn.
Anna has been a contributor at Insurify since December 2022.
7+ years in content creation and management
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
Featured in